When you’re shopping for insurance, you want options. Does a Porsche Cayenne need the same policy as a Honda Jazz? No, and that’s why the industry has provided a range of products to suit your situation.
There’s an obvious question: why isn’t it that way for dog insurance? After all, not all dogs are created equal. So we asked, and what was the reply? Crickets. That’s why we developed Ruff’n’Tumble, accident-only dog insurance that keeps things simple.
How simple? How about Mishap Protection for $40 a month? Young dogs? $40 a month. Old dogs? $40 a month. That rare breed you had to drive interstate to pick up? $40 a month. Dogs do dumb things all the time, but we believe it shouldn’t cost them their health – or your savings.
Some dogs are more prone to bursts of foolish behaviour than getting sick, and those accidents don’t always come cheap. Having insurance that covers it all comes with a price, and some pet owners want insurance that doesn’t break the bank.
ACCIDENTAL COSTS
Dog owners know accidents happen, but it’s the what happens next that can be just as devastating. That means:
- emergency treatments
- Surgery
- ongoing medication
...and other costly side effects of that sudden zoomie gone wrong. Ruff’n’Tumble’s accident-only cover can help with eligible costs that come with foolish dog behaviour.
And those costs can add up. Accidents are at the higher end of the vet treatment spectrum. A case of tick paralysis (yep, it counts as an accident) cost one unlucky owner more than $59,000 in 2025*, while falls and swallowed objects topped out at $28,230.
SIMPLY COVERED
You might think you’d need an ultra-premium insurance policy to handle eye-watering figures like these, but not with Ruff’n’Tumble. That $40 per month price point (and $500 excess per claim) keeps accidents from becoming financially overwhelming, and keeps pet insurance from seeming like a costly hassle. Better yet, the price won’t go up every year as your dog gets older.
To make it even easier:
- No lock-in contracts
- No payout limits
- No sub-limits
- No co-payments
- No need to consider your breed.
Ruff’n’Tumble is there for any dog, any breed and any age. Hey, we said we’d make it simple.
The reason we’re able to keep the cost low is that we are purely accident cover. No illnesses or preventative care, and no injuries that happened before your cover started.
WORKING WITH A NET
And because we’re backed by PetSure, Australia’s largest pet insurance company, you know we’ve looked after our fair share of silly dog mishaps. It also means Ruff’n’Tumble harnesses the power of GapOnly® to make claiming even easier. Once your vet visit is done, simply pay the gap (between the vet’s invoice and your eligible claim benefit) and go. Less paperwork, less out of pocket.
Ruff’n’Tumble is purely for those times accidents happen, and as any pet parent knows, they happen often. Dogs, as clever and as wonderful as they are, can be pretty clumsy, and certainly shouldn’t work without a net. Now they have one. Owners of overly energetic yet poorly coordinated dogs rejoice: a new insurance option has arrived. Get covered now.
